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Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.16 (1265 reviews)

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4.15

Based on 1,265 reviews, last reviewed 26th Jan 2026

600% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

55%

27%

Latest highest rating:

5

Good interest rate for credit balances and is accept... Good interest rate for credit balances and is accepted abroad Reviewed on: 26th January 2026

Latest lowest rating:

2

Loved the 123 account why did it go? Had a 123 account loved it, then Santander changed it to basic, whilst trying to get me to upgrade to a edge account which would cost me money most mo... Read more Reviewed on: 25th January 2026

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About this product

The Santander 1|2|3 Current Account is no longer available to new customers.

Santander 123 Current Account (discontinued) reviews (1265)

Review of the Santander, 123 Current Account (discontinued):

Stay Well Clear of Santander

The worst bank and customer service on the planet! I have had a lock placed on my account and the reason they gave me was that i have used contactless payment too much. Now considering i have spent the last 3 weeks in Singapore and never use the card as i dont want to pay their extortionate rates. I transfer from the bank to Wise. Now they have blocked it and tell me i have to buy something in Singapore and put my pin number in to release the block. Its the only way i can unblock it! Santander are a joke and i shall be closing the account down because of this. Complete failures! still waiting on the line for the fraud team to unblock this bar and been waiting over an hour so far. i am stuck in Singapore without access to my money. Reviewed on: 9th October 2022

Good communication

Santander have always communicated well with me whenever they are making any changes. Reviewed on: 29th December 2019

Best current account

Good quality service nice banking services Reviewed on: 29th December 2019

Great experience

Great app, website - seamless experience combined with great in branch support Reviewed on: 29th December 2019

Good bank with a decent interest rate

If you use this account to its full potential (have the max 20k in the account) you will earn fantastic interest every month. Customer service is pretty good and never really had any issues. Reviewed on: 28th December 2019

Branch Closures

The service and knowledge about their products or changed to their products has been very poor over the last few years. It appears due to branch closures , the staff are too busy to provided a satisfactory level of service to their customers. Reviewed on: 27th December 2019

Good Santander customer service

I have banked with Santander for many years and their customer service in their branches is excellent Reviewed on: 17th December 2019

Pays for itself

We pay £5 a month as a fee for the account. We receive £10 per month for having our mortgage with Santander. Around £6 per month cashback for utility and phone bills. And £25 a month for keeping £20k in the current account as it pays 1.5% interest. Much better than any ISA or savings account in my opinion. Reviewed on: 16th December 2019

Great service in branch and on line

Staff in branch are always very helpful and soliticious: on line banking (web or app) is so easy. Pleased to recommend Reviewed on: 14th December 2019

Loads of money back!

The account is so good for getting money back, especially if you have a Santander mortgage Reviewed on: 11th December 2019

Great service

Great service and very customer focused Reviewed on: 11th December 2019

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